Homeowners Financial Group Usa Mortgage Rates, Fees & Info
SCOTTSDALE, AZLEI: 549300NJVKCDJA5YC939
Tax ID: 20-0640473
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Mortgage Data
Review & Overview
Homeowners Financial Group Usa is a small mortgage company specializing in Home Purchase loans. Homeowners Financial Group Usa has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Tampa, Houston, Prescott Valley, and Madison among others. We have data for 121 markets. (Some data included below & more in-depth data is available with an active subscription.)Homeowners Financial Group Usa has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Homeowners Financial Group Usa is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.38% | 12/16/24 |
| 30 Year Conventional Refi | 6.61% | 12/16/24 |
| 30 Year Cash-out Refi | 6.80% | 12/16/24 |
| 30 Year FHA Purchase | 7.52% | 12/16/24 |
| 30 Year FHA Refi | 7.12% | 12/16/24 |
| 30 Year VA Purchase | 6.40% | 12/16/24 |
| 30 Year VA Refi | 6.22% | 12/16/24 |
| 30 Year USDA Purchase | 6.95% | 12/16/24 |
| 15 Year Conventional Purchase | 6.14% | 12/16/24 |
| 15 Year Conventional Refi | 6.19% | 12/16/24 |
| 15 Year Cash-out Refi | 6.19% | 12/16/24 |
| 15 Year VA Purchase | 6.38% | 12/16/24 |
| 15 Year VA Refi | 5.68% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Homeowners Financial Group Usa Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,623Origination Dollar Volume (All Markets)
$1,066,695,000Awards
HOMEOWNERS FINANCIAL GROUP USA - 2018
HOMEOWNERS FINANCIAL GROUP USA is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1,965 | $514,825,000 | $261,997 | $5,481 | 5.09% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 373 | $72,095,000 | $193,284 | $5,715 | 5.02% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 153 | $40,675,000 | $265,850 | $4,941 | 4.90% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 170 | $39,120,000 | $230,118 | $4,959 | 5.04% |
| MADISON, WI (FHA|USDA|VA) | 140 | $38,250,000 | $273,214 | $4,091 | 4.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 115 | $26,035,000 | $226,391 | $6,874 | 5.03% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 170 | $24,720,000 | $145,412 | $6,789 | 4.26% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 168 | $24,630,000 | $146,607 | $5,404 | 5.21% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 95 | $23,055,000 | $242,684 | $5,445 | 5.11% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 84 | $22,940,000 | $273,095 | $5,236 | 4.76% |
| SANTA FE, NM (FHA|USDA|VA) | 57 | $20,375,000 | $357,456 | $4,895 | 4.84% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 35 | $17,015,000 | $486,143 | $6,861 | 4.96% |
| Alamogordo, NM (FHA|USDA|VA) | 116 | $15,800,000 | $136,207 | $3,619 | 5.04% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 69 | $13,975,000 | $202,536 | $4,383 | 5.02% |
| RENO, NV (FHA|USDA|VA) | 51 | $12,655,000 | $248,137 | $5,143 | 5.16% |
| Outside of Metro Areas | 88 | $11,380,000 | $129,318 | $4,264 | 5.03% |
| ST. CLOUD, MN (FHA|USDA|VA) | 81 | $11,365,000 | $140,309 | $4,504 | 4.96% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 36 | $9,330,000 | $259,167 | $5,513 | 5.09% |
| TUCSON, AZ (FHA|USDA|VA) | 49 | $8,805,000 | $179,694 | $5,082 | 5.15% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 34 | $8,170,000 | $240,294 | $3,478 | 4.73% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 27 | $8,105,000 | $300,185 | $7,472 | 4.58% |
| LAS CRUCES, NM (FHA|USDA|VA) | 56 | $7,120,000 | $127,143 | $4,046 | 5.15% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 23 | $6,375,000 | $277,174 | $3,908 | 4.71% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 22 | $5,830,000 | $265,000 | $6,021 | 5.17% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 14 | $5,690,000 | $406,429 | $5,402 | 5.02% |
| FARGO, ND-MN (FHA|USDA|VA) | 26 | $4,580,000 | $176,154 | $4,061 | 4.61% |
| REDDING, CA (FHA|USDA|VA) | 24 | $4,280,000 | $178,333 | $6,129 | 4.74% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 27 | $3,975,000 | $147,222 | $5,008 | 5.15% |
| Fergus Falls, MN (FHA|USDA|VA) | 25 | $3,295,000 | $131,800 | $4,413 | 4.93% |
| Willmar, MN (FHA|USDA|VA) | 27 | $3,295,000 | $122,037 | $2,835 | 5.17% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 12 | $2,950,000 | $245,833 | $4,189 | 4.95% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 13 | $2,605,000 | $200,385 | $2,754 | 4.62% |
| Roswell, NM (FHA|USDA|VA) | 17 | $2,415,000 | $142,059 | $3,078 | 5.04% |
| Show Low, AZ (FHA|USDA|VA) | 12 | $2,300,000 | $191,667 | $5,253 | 5.17% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 13 | $2,265,000 | $174,231 | $5,178 | 5.10% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 11 | $2,235,000 | $203,182 | $4,761 | 5.09% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 9 | $2,215,000 | $246,111 | $3,945 | 4.83% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $2,030,000 | $338,333 | $5,389 | 4.81% |
| Payson, AZ (FHA|USDA|VA) | 7 | $1,965,000 | $280,714 | $7,066 | 4.93% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $6,411 | 4.60% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 12 | $1,640,000 | $136,667 | $3,858 | 5.32% |
| Baraboo, WI (FHA|USDA|VA) | 8 | $1,430,000 | $178,750 | $5,111 | 4.86% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $1,315,000 | $187,857 | $4,379 | 5.30% |
| Fernley, NV (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $4,715 | 5.35% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $4,746 | 4.88% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $4,305 | 4.91% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $5,831 | 5.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 9 | $1,185,000 | $131,667 | $5,015 | 4.86% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $3,364 | 4.67% |
| BISMARCK, ND (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $6,527 | 4.79% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $5,557 | 5.23% |
| OCALA, FL (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $4,864 | 5.00% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $3,816 | 4.56% |
| YUBA CITY, CA (FHA|USDA|VA) | 6 | $890,000 | $148,333 | $4,547 | 3.73% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,341 | 4.54% |
| Hobbs, NM (FHA|USDA|VA) | 7 | $685,000 | $97,857 | $3,527 | 5.52% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,067 | 5.19% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $3,746 | 5.15% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $595,000 | $119,000 | $4,558 | 4.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $5,355 | 4.92% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,961 | 5.00% |
| Whitewater, WI (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $3,939 | 5.19% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,098 | 4.75% |
| Durango, CO (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,849 | 4.94% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $19,615 | 5.38% |
| Beaver Dam, WI (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,759 | 4.92% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,558 | 5.33% |
| CHICO, CA (FHA|USDA|VA) | 6 | $440,000 | $73,333 | $13,329 | 3.81% |
| RACINE, WI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,151 | 4.81% |
| Pella, IA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,818 | 5.19% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,943 | 4.75% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,462 | 5.25% |
| Platteville, WI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,944 | 4.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,306 | 5.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $16,268 | 4.63% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $15,776 | 5.00% |
| Fallon, NV (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,296 | 5.88% |
| Spirit Lake, IA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,362 | 4.81% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $5,142 | 4.88% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,180 | 4.63% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,096 | 5.00% |
| AMES, IA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,882 | 5.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,602 | 4.63% |
| Wahpeton, ND-MN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 4.25% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,241 | 5.13% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,679 | 5.25% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.25% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.00% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,920 | 4.25% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,071 | 4.25% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $257 | 4.88% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,302 | 5.13% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,526 | 5.13% |
| Palatka, FL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $6,285 | 5.25% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,195 | 5.38% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,352 | 4.63% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,782 | 4.88% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,526 | 5.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,353 | 5.13% |
| SAN ANGELO, TX (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $4,414 | 5.38% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,960 | 4.75% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,980 | 4.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,167 | 5.63% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,335 | 5.00% |
| Taos, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.75% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,394 | 4.75% |
| Safford, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,411 | 4.75% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,665 | 4.88% |
| Carroll, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,770 | 5.38% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.38% |
| Marshalltown, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,584 | 4.63% |
| Silver City, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,911 | 6.00% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,843 | 4.50% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,056 | 5.25% |
| Fremont, NE (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,484 | 5.75% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,319 | 5.00% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,892 | 4.63% |
| Spencer, IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.63% |
| Deming, NM (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $2,297 | 5.19% |
| Marshall, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,385 | 5.25% |
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We use machine learning to identify the top lenders compared against HOMEOWNERS FINANCIAL GROUP USA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2018, Homeowners Financial Group Usa's most frequently originated type of loan was Conventional, with 3,307 originations. Their 2nd most popular type was FHA, with 943 originations.
Loan Reason
For 2018, Homeowners Financial Group Usa's most frequently cited loan purpose was Home Purchase, with 4,044 originations. The 2nd most popular reason was Home Improvement, with 331 originations.
Loan Duration/Length
For 2018, Homeowners Financial Group Usa's most frequently cited loan duration was 30 Year, with 4,326 originations. The 2nd most popular length was 15 Year, with 150 originations.
Origination Fees/Closing Costs
Homeowners Financial Group Usa's average total fees were $5,371, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,360 originations.
Interest Rates
During 2018, Homeowners Financial Group Usa's average interest rate for loans was 5.00%, while their most frequently originated rate bucket for loans was 4-5%, with 2,352 originations.
Loan Sizing
2018 saw Homeowners Financial Group Usa place emphasis on $200k-400k loans with 2,147 originations, totaling $587,735,000 in origination value.
Applicant Income
Homeowners Financial Group Usa lent most frequently to those with incomes in the $50k-75k range, with 1,260 originations. The second most popular income band? $50k or less, with 1,226 originations.
Applicant Debt to Income Ratio
Homeowners Financial Group Usa lent most frequently to those with DTI ratios of 30-36%, with 673 originations. The next most common DTI ratio? 20-30%, with 596 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.32%
Homeowners Financial Group Usa has an average approval rate.
Pick Rate
Approvals leading to origination70.11%
Homeowners Financial Group Usa has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,623 | $1,066,695,000 | $230,737 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 134 | $18,680,000 | $139,403 |
| Single Family (1-4 Units):Site-Built | 4,489 | $1,048,015,000 | $233,463 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| HOMEOWNERS FINANCIAL GROUP USA | Conventional home mortgage | Closing on a mortgage | 2 | 100.0% |